VRSKIP.COM is an independent personal finance site providing free advice for young adults wanting to make informed decisions about where their money goes.

We understand the struggle; we’ve been there.

VRSKIP.COM has everything you need to know about money, written by real people who’ve been there. If you’re in over your head too, we can help!

Maybe you’re here because after you pay rent and buy groceries, you struggle to save anything at the end of the month.

Maybe you think you should start building credit—but you’re afraid to apply for a credit card.

Or you’re looking to buy a new car or your first house, and you don’t really know where to start.

Regardless of what brought you here, you’re in the right place. And you’re not alone. Young people are struggling right now, and mostly for reasons outside their control. We’re here to help you take back some of that control.

How can we help you?

Alright, so we can’t wipe out your debt, but we can show you the best ways to pay it off or how to use credit cards wisely so you don’t get in debt in the first place.

We can’t increase declining incomes, but we can help you ask for a raise, start a lucrative side hustle and build habits that invite success.

We can’t make college cheap again, but we can show you how to borrow less while you’re in school and maximize your student loan repayment once you’re out.

We can’t change laws that allow landlords and employers to turn you down because you don’t have credit, but we can help you understand how your credit score works, how to build a better one, or where to go to get your first credit card or a card that can help you rebuild credit.

We can also help you make smarter choices when it comes to buying a house, buying a car, or pursuing a graduate degree.

Make the most of our advice with a free subscription!

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A note about how we make money.

As you may have noticed, our site isn’t littered with ugly pop-up ads, and you can scroll through our posts with little to no interruption. We also don’t charge a subscription fee, for either the site or our newsletter.

We can do that because we get most of our revenue from affiliate partnerships. We partner with a variety of companies, including banks, startups, and insurance brokers. When you click on a link on our site and open up a credit card or an investment account, we get a commission. (Thank you!) It allows us to keep creating valuable content and to pay our talented writers and staff.

Our affiliate partnerships do not affect our content—if we don’t like something, we say so. And we’d never partner with a company whose product we didn’t think was worth your time. You’ll never see links to payday lenders, fee-heavy prepaid cards, or other predatory products.

We do, however, have partnerships with several banks, the big bad of the current era. We understand our readers’ reservations about banks (and we share many of them) but we also believe that banks and their products can be useful tools in building credit and wealth—provided you have the right information. We aim to provide that information as clearly as possible so you can make an informed choice, whether you use our links or not.